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Comparison

Side-by-side payments and cash to close

Lowest monthly: Assumable Loan

Total monthly

Payment stack including taxes, insurance, and HOA

Cash to close

Down payment / equity bring-to

Detail
Assumable Loan
Assumable · VA
Assumable Loan + Second
Assumable · VA
Current Market Conventional
New · Conventional
Loan amount$841,051$841,051$832,500
Remaining term (yrs)29.029.030.0
Secondary amount$0$37,699$0
Funding fee$4,205$4,205$0
Note rate6.27%6.27%7.11%
Blended rate6.27%6.51%7.35%
1st payment$5,240.15$5,240.15$5,600.28
2nd payment$0.00$373.06$0.00
Taxes / mo$666.50$666.50$666.50
Insurance / mo$216.67$216.67$216.67
MI / mo$0.00$0.00$166.50
HOA / mo$0.00$0.00$0.00
Total monthly$6,123.32$6,496.38$6,649.95
Cash to close$83,949$46,250$92,500